LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,100
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,963/mo
Today · 4.125%
HK$65,994
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$131,988/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,085
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,938
−HK$1,880/mo
Today · 4.125%
HK$72,818
baseline
▲ 0.50% · 4.625%
HK$76,656
+HK$3,838/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,636/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,520
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,838
−HK$2,355/mo
Today · 4.125%
HK$79,193
baseline
▲ 0.50% · 4.625%
HK$84,011
+HK$4,818/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,386/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,902
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,126
−HK$2,255/mo
Today · 4.125%
HK$87,381
baseline
▲ 0.50% · 4.625%
HK$91,987
+HK$4,606/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,762/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,940
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,644
−HK$2,748/mo
Today · 4.125%
HK$92,392
baseline
▲ 0.50% · 4.625%
HK$98,013
+HK$5,621/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,784/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,720
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,314
−HK$2,631/mo
Today · 4.125%
HK$101,945
baseline
▲ 0.50% · 4.625%
HK$107,319
+HK$5,374/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,890/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,780
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,257
−HK$3,532/mo
Today · 4.125%
HK$118,789
baseline
▲ 0.50% · 4.625%
HK$126,017
+HK$7,228/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,578/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,354
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,689
−HK$3,383/mo
Today · 4.125%
HK$131,072
baseline
▲ 0.50% · 4.625%
HK$137,981
+HK$6,909/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,144/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,432 · Scale 2, in force from 26 Feb 2026)